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![FintwitAi Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1340018369496530946.png) Fintwit.ai [@FintwitAi](/creator/twitter/FintwitAi) on x 6578 followers
Created: 2025-07-20 07:01:28 UTC

Earnings summary $FNB (2025-07-18):
F.N.B. Corporation's Q2 2025 earnings call highlighted record net income ($130.7M, $0.36/share), driven by record revenue ($438M).  Key takeaways:

*   Revenue growth: XXX% linked-quarter, fueled by net interest income ($347M) and non-interest income ($91M).
*   Pre-provision net revenue: XX% linked-quarter increase to $192M.
*   Record capital levels: CET1 ratio nearing 11%, TCE ratio at 8.5%, tangible book value per share at $XXXXX.
*   Share repurchases: XXXXXXX shares repurchased this quarter.
*   Margin expansion: XX basis points linked-quarter, reaching 3.19%.
*   Loan growth: XXX% annualized linked-quarter growth.
*   Deposit growth: ~$600M increase, average total deposits exceeding $37B.
*   Improved asset quality: Lower delinquencies, NPLs, and charge-offs.
*   Clicks-to-Bricks strategy progress: eStore common app integration across all channels.
*   Organizational restructuring: Focusing on digital tools, AI, and data science.
*   Q3 & full-year guidance: Raised NII guidance, revised non-interest income and expense guidance.  Margin expected to be flattish to slightly up.

The company emphasized its strong capital position, organic growth strategy, and investments in technology and AI.  M&A is less of a focus currently.


XXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1946827784199774459/c:line.svg)

**Related Topics**
[$192m](/topic/$192m)
[$91m](/topic/$91m)
[$347m](/topic/$347m)
[$438m](/topic/$438m)
[$036share](/topic/$036share)
[$1307m](/topic/$1307m)
[quarterly earnings](/topic/quarterly-earnings)
[$fnb](/topic/$fnb)

[Post Link](https://x.com/FintwitAi/status/1946827784199774459)